You made some great points about ACS financing. You are shared many of the options available. Often ACS’s are physicians owned if they are physicians tend to finance a buy-in investment and often utilize a familiar local bank. Banks can be a good source of capital. However, they often require a “blanket” lien on the physician’s assets, a spousal guarantee, and sometimes disability and life insurance assignments (Shaub, 2017). A physician must understand their personal loan terms, which can impact their future borrowings or sale of personal assets. Aspiring ASC owners may also use a specialty healthcare lender to provide a loan. These companies compete with banks on interest rates but have added expertise in the ASC industry, which can be advantageous if the facility endures unfavorable or adverse changes (Shaub, 2017).
